FREE KASASA CASH® CHECKING

Free checking that pays high dividends. Free Kasasa Cash® Checking is one way we thank you for being a member. Earn up to 1.50% APY2 just for doing simple activities you probably already do. There are no monthly maintenance fees and you’ll also receive refunds on ATM withdrawal fees, nationwide.2

BADLANDS GOLD CHECKING

Do you keep a healthy balance in your checking account on a consistent basis? Badlands Gold Checking rewards you with monthly dividends. Take advantage of this benefit-packed account — you’ve earned it!

FEATURES

NOTES

1 No category restrictions on purchases. Cash back earned on up to $200 in purchases monthly. Earn up to $72 cash back per year, $6 per month. ATM refunds up to $15 monthly. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking. Qualification Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ins and other requirements apply. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Enrollment in online banking with monthly log-ins to online banking, enrollment of electronic statements, and at least twelve (12) PIN-based or signature based debit card transactions are required to meet the account’s rewards qualifications each month. There are no recurring monthly maintenance charges or fees to open or close this account. Six consecutive non-qualifications of your Kasasa Cash Back account will result in a conversion to our Badlands Checking account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $15.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $4.99 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Rates and rewards are variable and may change after account is opened. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Additional Information: Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

2 1.50% to 0.27% APY on balances over $10,000 depending on balance in account. 0.05% APY if qualifications are not met. ATM refunds up to $15 monthly. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking. Qualification Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ins and other requirements apply. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Enrollment in online banking with monthly log-ins to online banking, enrollment of electronic statements, and at least twelve (12) PIN-based or signature based debit card transactions are required to meet the account’s rewards qualifications each month. There are no recurring monthly maintenance charges or fees to open or close this account. Six consecutive non-qualifications of your Kasasa Cash account will result in a conversion to our Badlands Checking account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive APY of 1.50%; and balances over $10,000 earn 0.15% interest rate on the portion of balance over $10,000, resulting in a range from 1.50% to .27% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $15.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $4.99 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Additional Information: Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

3 $10 monthly maintenance fee if account balance falls below $2,500 at any time during the cycle month.

4 $10 monthly maintenance fee if account balance falls below $1,000 at any time during the cycle month.